Income Tax Calculator
See Your Real Net Income in Seconds
This Income Tax Calculator is a powerful tool that shows exactly how much of your income you actually keep after deductions like income tax, and National Insurance. It provides a clear breakdown of your income, showing exactly how much goes to taxes, National Insurance, and other deductions.
How to Use This UK Income Tax Calculator
This free UK Income Tax Calculator provides instant visibility into your take-home pay, breaking down gross salary, income tax, National Insurance, and net income. It’s designed for employed, professionals, and anyone wanting to understand their actual earnings after tax deductions.
Understanding Your Results
The calculator breaks down your earnings as follows:
Your Total Income: The full gross salary you entered
Your Total Taxable Income: Gross salary minus the Personal Allowance. This is the amount actually subject to income tax. For 2025-26, the first £12,570 is tax-free (unless your income exceeds £100,000, where the Personal Allowance tapers).
Total Tax + NICs: The combined total of income tax and National Insurance you’ll pay
Your Net Income: Your take-home pay—what you actually receive after all tax and National Insurance deductions
Using a salary/income tax calculator allows you to plan your finances, budget effectively, and make informed decisions about salary offers or savings.
Calculate Your
Income Tax in Seconds
Your Total Income
£00
Your Total Taxable Income
£00
Tax on Income
£00
Class 1 National Insurance
£00
Total tax + NICs
£00
Your Net Income
£00
The figures presented here are derived exclusively from the details you’ve supplied and apply specifically to England and Wales. Outcomes may differ based on circumstances not included in this analysis. These computations are intended as illustrative examples only. To receive a customized evaluation tailored to your situation, please contact us for a comprehensive consultation
How Income Tax Works in the UK
Income Tax is the tax you pay on your earnings from employment, self-employment, pensions, and other taxable income. The UK uses a progressive tax system, meaning you pay higher rates as your income increases.
Our Income Tax Calculator shows you exactly how much tax you’ll pay based on current HMRC rates, helping you understand your true take-home pay.
Income Tax rates and bands:
- £0 – £12,570 | 0% (Personal Allowance)
- £12,571 – £50,270 |10% (Basic Rate)
- £50,271 – £125,140 | 40% (Higher Rate)
- Over £125,140 | 45% (Additional Rate)
If you want expert guidance on maximising tax efficiency, company setup, or self-assessment filing, get in touch today.
Common Income Tax Challenges We Solve
Hit the £100k Tax Trap?
We identify when higher-rate tax kicks in and show strategies to manage your net income effectively. Our Income Tax Calculator ensures you know exactly what you keep.
Confused by Your Tax Code?
We help decode your tax code and adjust calculations so you’re not overpaying or underpaying. Using our tax calculator, you can plan with confidence.
Struggling to Maximise Your Take-Home Pay?
We analyse your salary, deductions, and benefits to find ways to increase net income. With a net salary calculator, you can see the real impact of each adjustment.
Overpaying on National Insurance Without Realising?
We check your contributions and highlight any overpayments or exemptions. With Reflex Accounting, our experts give a full breakdown so you always know your true take-home pay
FAQs
How is my take home pay calculated in the UK?
Your take-home pay is calculated by deducting income tax, National Insurance, and any student loan or pension contributions from your gross salary. Our Income Tax Calculator gives a detailed breakdown so you can see your real net salary.
Does this salary calculator include National Insurance?
Yes, this salary calculator factors in National Insurance contributions based on your earnings and tax code. It ensures your net salary estimate reflects all standard deductions.
Will my take-home pay change if I live in Scotland?
Yes, Scottish residents pay different income tax rates, which can affect your net pay. The calculator allows you to select “Resident in Scotland” to see an accurate estimate.
Why is my actual take-home pay different from the calculator result?
Calculator estimates may vary due to rounding, irregular deductions, or benefits not included. Use it as a guide and consult reflex accounting for exact figures.
What is "Salary Sacrifice" and how does it affect my calculator results?
Salary sacrifice reduces your taxable salary in exchange for benefits like pension contributions or childcare vouchers. With guidance from Reflex Accounting, the calculator shows the real effect on your net salary.
Struggling with Finances?
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